What determines the process
Two inputs drive the variations in the flow: the borrower type and the product group settings for decision making.
Borrower type
| Value | Description |
|---|---|
| Person | The applicant is an individual (a natural person). |
| Legal entity | The applicant is a company (a business client). |
The platform automatically routes the application to the corresponding origination flow based on this value.
Product group settings (Decision making)
Each product group defines settings that change how the process behaves.
Credit bureau
This setting controls whether the system initiates a credit bureau request or not.
| Value | Description |
|---|---|
| Empty | The system doesn’t initiate a request to the credit bureau. |
| Equifax | The system initiates a request to the credit bureau (Equifax), if the client has a signed agreement with Equifax. |
Verification
This setting controls whether a back-office verifier must review the application before it is scored.
| Value | Description |
|---|---|
| Manual | A verifier must open the application in the back-office and either approve it, request updates from the borrower, or decline it. |
| None | The verification step is skipped entirely; the application proceeds directly to scoring (and, for legal entities, to the financial data step). |
Underwriting
This setting controls whether an underwriter must make the final decision on the application.
| Value | Description |
|---|---|
| Auto | The system decides automatically. If a suitable product is found, the application is auto-approved on the requested terms. If no product is found, the application is automatically declined. |
| Semi-auto | The system auto-approves only the safest cases (top scoring zone with a product found). Everything else is sent to an underwriter for a manual decision. |
| Manual | The application is always sent to an underwriter for a manual decision, regardless of the score or whether a product was found automatically. |
How the settings combine
The decision after scoring is calculated as follows:
| Underwriting setting | Scoring result | Product auto-selected | Outcome |
|---|---|---|---|
| Auto | Top zone | Yes | Auto-approved (no underwriter) |
| Auto | Top zone | No | Auto-declined (“no suitable products were found”) |
| Auto | Middle zone | Yes | Auto-approved (no underwriter) |
| Auto | Middle zone | No | Auto-declined (“no suitable products were found”) |
| Semi-auto | Top zone | Yes | Auto-approved (no underwriter) |
| Semi-auto | Top zone | No | Sent to underwriter |
| Semi-auto | Middle zone | Any | Sent to underwriter |
| Manual | Any | Any | Sent to underwriter |
Top zone = the lowest-risk scoring band. Middle zone = the medium-risk scoring band. The exact thresholds are configured separately for each product group.